CDARS

There are few guarantees in life, but FDIC insurance is one of them. CDARS is a safe bet for your large deposits.

With CDARS, you can access FDIC protection on multi-million dollar CD investments through First Citizens National Bank. Our bank is a member of the Certificate of Deposit Account Registry Service Network (CDARS). When you invest a large amount with us, we can place your funds into CDs issued by other banks in the same network — in increments of less than $250,000 — so that both principal and interest are eligible for complete FDIC protection. As a result, you can receive coverage from many banks while working with just one.

Access multi-million dollar FDIC insurance coverage on your deposit

Earn one interest rate and receive one regular statement and one year-end tax form

Minimum opening deposit $100

Low monthly fee of $3

Interest earned on daily collected balances

Certain federal guidelines must be met to qualify for this account. Federal tax benefits are determined by IRS rules. Check with your tax advisor for state rules regarding HSAs.

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125 YEARS FEELS UNBELIEVABLY GOOD

For 125 years of service at First Citizens National Bank, we've tackled recessions, cleared hurdles and created solutions; but no matter the decade, we have always desired to be the best community bank we can be. We are simply passionate about giving our customers an experience that is unbelievably good.